Trinity Insurance Services Get a Certificate   Home Automobile Homeowners Life Home Trucking Wrecker Dump Trucks

Watercraft & Boat Insurance


Watercraft & Boat Insurance Information

Why do you need insurance for your boat or personal watercraft?
You'll enjoy the water even more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

  • If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Your watercraft also needs protection when it's on land. Accidents can happen while towing a watercraft.

Things to consider and questions to ask your agent
Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if your boat or personal watercraft is in an accident, damaged or stolen?
  • Is my boat or watercraft covered for use year-round?
  • What discounts and programs are available?
  • How much medical insurance and liability coverage is enough?
  • Do I have coverage if I need to have my boat towed in an emergency?
  • What's the process for filing and settling a claim?
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative about coverage limits. You may want to consider purchasing a personal watercraft policy to protect yourself and your water vehicle in the event of an accident.

The personal watercraft policy covers:

  • bodily injury
  • property damage
  • guest passenger liability
  • medical payments
  • theft

Liability limits start at $15,000 and can be increased to $300,000.

Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments.

Additional coverage can also be purchased for trailers and other accessories.

You should talk to your insurance representative about the type of coverage that would best suit your needs.


INSURANCE CHOICES

RESOURCES

ABOUT TRINITY

FEATURED CONTENT

STATES WE INSURE
Long Haul Insurance
Dump Truck Insurance
Hot Shot Insurance
Roadside Assistance
Passenger Accident
Owner Operator Insurance
General Liability Insurance
Workers Compensation

Add - Delete Form
Vin Decoder
Driver Training
Insurance Info
Prayer Request
Truck Papers
KY Transportation Cabinet







Follow  us online:
  
Jobs & Careers
News Room
Trinity Supports
Transportation Service Team
Cancellation and Return/Refund Policy
 
Alabama
California
Delaware
Georgia
Indiana
Kentucky
Maryland
Minnesota
Montana
New Hampshire
New York
Ohio
Pennsylvania
Tennessee
Virginia
Wyoming
Arizona
Colorado
Washington D.C.
Idaho
Iowa
Louisiana
Massachusetts
Mississippi
Nebraska
New Jersey
North Carolina
Oklahoma
South Carolina
Texas
West Virginia 
Arkansas
Connecticut
Florida
Illinois
Kansas
Maine
Michigan
Missouri
Nevada
New Mexico
North Dakota
Oregon
South Dakota
Utah
Wisonsin 
  Home      /      Web Site Accessibility      /      Site Map      /      Help      /      Privacy & Security      /      Terms of Use
TRINITY INSURANCE SERVICES, LLC
dba in California as Trinity Commercial Insurance Services LLC & in New York as Trinity Commercial Insurance Services LLC